433 N Central Ave, Umatilla, FL 32784 Property Records

Lake County property record for 433 N Central Ave, Umatilla, FL 32784

Property Summary

Property Type	Retail Store
Details	3 ba · 7,646 sqft · built 1946
Lot Size	0.678 acres (29,541 sqft)
Owner	Individual Name on Record
Last Sale	$35,100 (Apr 2006)
Tax Bill	$3,583 (2024)
Flood Zone	Zone X (minimal risk)
APN	`12-18-26-0600-023-00100`

Property Details

APN / Parcel Number

Primary APN	`12-18-26-0600-023-00100`
Alternative APNs	`261812060002300100` `1129991`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	7,646 sqft Gross Area
1st Floor Area	7,646 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1973
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	29,541 sqft (0.678 acres)
Lot Dimensions	108 ft deep x 84 ft wide

Exterior Amenities

Deck Area	Deck Area
Canopy	1,335 sqft
Utility Building	1,280 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	1129991
Street Address	433 N CENTRAL AVE
City	UMATILLA
State	FL
Zip	32784-8669
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	PFD
Legal Description	UMATILLA NORTH UMATILLA LOTS 20 TO 30 INCL N 1/2 OF LOT 31 BLK 23 PB 6 PGS 35-37 ORB 3048 PG 64 ORB 3139 PGS 102 104 106 108 110 112 114 116 118 120 122 & 124
Legal Range	26E
Legal Township	18S
Legal Section	12
Legal Subdivision	NORTH UMATILLA
Legal Tract	0600
Legal Block	23
Legal Lot Number	1
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1057
Census Tract	30110

Owner

Source: Lake County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 643, UMATILLA, FL 32784-0643
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2006 · Amount on Record
Deed Sale	Apr 18, 2006 · Amount on Record
Prior Sale	Apr 18, 2006 · Amount on Record
Deed Document Number	200659673
Deed Book / Page	3139 / 124
Prior Transfer Date	Mar 27, 2006
Prior Transfer Doc	0031390124
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Umatilla City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,099 (-) Land $103,806 Building $54,293	$158,099 (-) Land $103,806 Building $54,293
2025		$158,099 (+12.97%) Land $103,806 Building $54,293	$158,099 (+12.97%) Land $103,806 Building $54,293
2024	$3,583.00 (+8.84%)
2023	$3,292.00 (+14.31%)	$139,943 (+9.48%)	$139,943 (+9.48%) Land $94,375 Building $45,568
2022	$2,880.00	$127,822	$127,822 Land $85,796 Building $42,026

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UMATILLA WATER WORKS (2 WPS) serves 3,948 people · EPA ID FL3351402
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20